ReviewDirect · GrowthPrefer peers first
HDFC Value Fund
HDFC Mutual FundEquity Scheme - Value Fund13.8 years
The scheme seeks to achieve capital appreciation/income in the long term by primarily investing in undervalued stocks.
- NAV
- 852.05
- 29 Oct 2026
- 1Y
- -1.3%
- Trailing CAGR
- Upside capture
- +104%
- Vs NIFTY 500 TRI
- Downside capture
- +99%
- Lower is better
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Maximum drawdown exceeded 35%.
Prefer peers if · Prefer ICICI Prudential Value Fund (erstwhile Value Discovery Fund) if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
Pass
1.11% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Watch
Peak-to-trough -43.9%. Ask whether you can hold through a similar fall.
Vs category
Watch
47% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Anand Laddha · 2.7 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 30.8% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 44%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Review does not mean stop the SIP tomorrow - compare peers first. Stopping on a red label often locks in the worst path.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-1.3%
- 3Y+15.4%
- 5Y+12.4%
- 10Y+13.8%
- SI+15.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.0%
- 3Y+6.4%
- 5Y+12.6%
- 10Y+14.5%
- Since inception
- +15.4%
- Calendar-day CAGR
- Excess 1Y
- +5.3%
- Category median, same plan and option
- 3Y win rate
- +47%
- Windows beating the median
- 3Y percentile
- 77
- Vs comparable share classes
- SIP 3Y XIRR
- +6.4%
- Simulated monthly SIP
- Worst rolling 3Y
- -9.9%
- 2653 daily-ending windows
- Median rolling 3Y
- +17.3%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2161 daily-ending windows
Official benchmark
Date-aligned against NIFTY 500 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- +6.2%
- Fund minus TRI
- 3Y excess
- +5.0%
- Fund minus TRI
- Upside capture
- +104%
- Benchmark-up months
- Downside capture
- +99%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -43.9%
- Worst peak-to-trough
- Current
- -5.9%
- Below last peak
- Current spell
- 59 days
- Days below latest peak
- Time below peak
- +87%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 166 recovered episodes
- Longest recovery
- 253 days
- Trough to prior peak
23 Jan 2018 – 1 Dec 2020
Trough 23 Mar 2020 · recovered in 253 days
-43.9%
7 Aug 2015 – 1 Jul 2016
Trough 25 Feb 2016 · recovered in 127 days
-18.9%
17 Jan 2022 – 1 Nov 2022
Trough 20 Jun 2022 · recovered in 134 days
-18.4%
26 Sept 2024 – 27 Oct 2025
Trough 28 Feb 2025 · recovered in 241 days
-18.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
77
Vs category
83
Consistency
51
Risk-adjusted
57
Drawdown
0
Mean
54
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Review
Buying stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
Why this status
- Maximum drawdown exceeded 35%.
Supporting reads
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 82 holdings · top 10 are 30.8%.
- Top 5
- 19.9%
- Top 10
- 30.8%
- Largest holding
- 6.2%
- Effective holdings
- 52.1
ICICI Bank Ltd
Financial
6.2%
HDFC Bank Ltd
Financial
4.6%
Axis Bank Ltd
Financial
3.2%
State Bank of India
Financial
3.2%
Bharti Airtel Ltd
Technology
2.8%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Value Fund (erstwhile Value Discovery Fund)
ICICI Prudential Mutual Fund
- 1Y
- -10.4%
- 3Y
- +11.6%
- Vol
- 14.2%
- Max DD
- -36.7%
- Sharpe
- 0.76
- 3Y win
- +72%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Quant Value Fund
quant Mutual Fund
- 1Y
- +4.6%
- 3Y
- +19.7%
- Vol
- 19.5%
- Max DD
- -24.0%
- Sharpe
- 0.65
- 3Y win
- +99%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
ITI Value Fund
ITI Mutual Fund
- 1Y
- -6.4%
- 3Y
- +11.3%
- Vol
- 15.8%
- Max DD
- -22.7%
- Sharpe
- 0.38
- 3Y win
- +69%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
LIC MF Value Fund
LIC Mutual Fund
- 1Y
- +11.5%
- 3Y
- +16.6%
- Vol
- 16.9%
- Max DD
- -25.2%
- Sharpe
- 0.59
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
DSP Value Fund
DSP Mutual Fund
- 1Y
- +0.3%
- 3Y
- +16.3%
- Vol
- 10.7%
- Max DD
- -16.5%
- Sharpe
- 0.98
- 3Y win
- +40%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER